四川省中小微企业“统贷平台”融资模式的探讨

发布时间：2018-01-05 04:01

本文关键词：四川省中小微企业“统贷平台”融资模式的探讨　出处：《西南财经大学》2013年硕士论文　论文类型：学位论文

【摘要】：中小微企业是我国国民经济发展的重要基础,是推动社会和谐与改善民生,推动国民经济和社会发展不可或缺的力量。然而影响中小微企业发展的融资难问题作为一个世界性难题在中国仍面临难以解决的困境。论文基于此而展开。论文第一章概述了论文的选题背景、研究意义、研究方法、研究目的,指出了论文的研究思路及框架结构。第二章在简述四川省中小微企业发展总体情况的同时,阐述了四川省中小微企业目前虽受国际金融危机冲击以及国内经济发展趋势不稳定因素影响,总体生产经营情况仍向好,但融资情况特别是未来面临的形式依然严峻的状况,进而通过对其融资情况的SWOT分析,归纳总结了省内中小微企业融资难的原因。在此基础上,第三章引出了“统贷平台”的融资模式,在介绍该模式的概念和运作流程的同时,着重对我省中小微企业“统贷平台”融资模式构建的条件、合作机构的职责及平台合作保障等方面问题进行了深入分析。并通过对这几年来“统贷平台”融资模式运行的总体情况以及对未来此模式发展完善的方向指出了该模式中存在的不足并提出了改进意见。在对我省中小微企业“统贷平台”的融资模式进行了上述理论和实践分析之后,论文以第四章介绍了目前国家开发银行四川分行已经在运行的中小微企业贷款统贷平台模式,并精选了该模式项下的三个经典案例,以论证此模式的有效执行性和成功经验。最后对本论文研究的结论进行了总结与展望。本文旨在对完善四川省中小微企业统贷平台融资模式进行研究,通过引入层层风险防控机制的管理,在银行风险基本可控的前提下大大降低中小微企业准入门槛,以寻求一种按统一的标准模式,解决千家万户中小微企业融资共性问题的途径,以批发的方式克服零售缺点,从而为中小微企业提供社会化、专业化、组织化、标准化的,高效和便捷的贷款融资,真正解决中小微企业融资难问题。
[Abstract]:Small and medium-sized enterprises are the important foundation of the development of our national economy, which is to promote social harmony and improve the people's livelihood. However, the problem of financing which affects the development of small and medium-sized enterprises is still facing a difficult dilemma in China as a worldwide problem. The first chapter summarizes the background, significance, method and purpose of the research, and points out the research idea and frame structure of the thesis. The second chapter describes the overall development of small and medium-sized enterprises in Sichuan Province, and expounds the impact of the impact of the international financial crisis and the unstable factors of domestic economic development. The overall production and operation situation is still good, but the financing situation, especially in the future, is still grim, and then through the SWOT analysis of its financing situation. The paper summarizes the reasons why the financing of small and medium enterprises in the province is difficult. On this basis, the third chapter leads to the financing model of "Unification loan platform". At the same time, it introduces the concept and operation process of the model, and focuses on the construction conditions of the financing mode of "Unification loan platform" for the small and medium enterprises in our province. The responsibilities of the cooperative organization and the cooperation guarantee of the platform are analyzed in depth. And through the analysis of the "unified loan platform" in the past few years. The general situation of the operation of the financing model and the direction of its development and perfection in the future are pointed out and some suggestions for improvement are put forward. After the above theoretical and practical analysis on the financing model of the medium, small and micro enterprises in our province, the "Unification loan platform" has been carried out. Chapter 4th introduces the current China Development Bank Sichuan Branch has been in operation of the small and medium enterprises loan loan platform model, and selected three classic cases under this model. In order to demonstrate the effective implementation and successful experience of this model, the conclusion of this paper is summarized and prospected. The purpose of this paper is to improve the financing model of Sichuan small and medium enterprises through the introduction of layers of risk prevention and control mechanism management. Under the premise that the bank risk is basically controllable, the entry threshold of small and medium-sized enterprises is greatly reduced, in order to find a way to solve the common financing problem of small and medium-sized enterprises in thousands of households according to the unified standard model. In order to provide socialized, professional, organized, standardized, efficient and convenient loan financing for small and medium-sized enterprises, we can really solve the financing problem of small and medium-sized enterprises.
【学位授予单位】：西南财经大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F276.3;F832.4

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